SBA & USDA Application Processor & Packager

GENERAL DESCRIPTION OF POSITION

Package, Process and Submit SBA & USDA Loan Applications, assist Loan Officers and BDO's in the completion of SBA & USDA Applications, prepare package for Credit Analysis/Analyst.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Collect all SBA & USDA Loan Application documentation from borrower(s)/guarantor(s).

2. Work closely with LO and BDO to complete application forms and collect all supporting documentation from borrower(s)/guarantor(s).

3. Prepare the Packaging Checklist, send to loan officer (or borrower) and provide weekly updates.

4. Submit SBA/USDA package to SBA Credit Analyst to review and prepare the credit memo/analysis, request and provide any missing documentation.

5. Pull CAVIRS Report ? VERIFY eligibility for SBA Program/financing.

6. Pull SAM.gov ? VERIFY eligibility for borrower/guarantor(s), and brokers, if applicable.

7. Pull LexisNexis Reports on borrower/guarantors, and request letter of explanation for any credit issues, arrests, etc.

8. Pull/review credit reports for matters requiring a letter of explanation and supporting documentation.

9. Prepare INS Forms for non-US Citizens (see Form 1919 and Form 912).

10. Pull Dunn&Bradstreet Reports ? VERIFY eligibility of SBA Program.

11. Pull County/State/Fed Reports to VERIFY no tax liens, collections, etc for eligibility of SBA Program.

12. Create folder in Pdrive/SBA folder for all loan applications, move any applications in the Pdrive/SBA Loan Applications folder to the Pdrive/SBA folder (maintain/clean out any delete duplicate folder).

13. Manage/update Pipeline Report daily.

14. Pull and Verify the IRS 4506-T, Income Verification Express System - includes ordering the 4506T's and verifying that all information on submitted tax returns is correct.

15. Verify Cash Injection (bank statements, 401k/IRA, Stock/Bond Statements, CD's, Cash Value of Life Insurance, etc) ? VERIFY PERSONAL FINANCIAL STATEMENT.

16. Prepare Cash Injection Spreadsheet and VERIFY CASH INJECTION.

17. Understand the workings of GL's and Wire Products.

18. Provide instructions for packaging/application fee submissions from borrower.

19. Review package with Dept. Manager prior to submission to credit analyst.

20. Work closely with the credit analyst to clear remaining items/issues.

21. Assign credit analyst and inform LO/BDO, borrower, and broker, if applicable.

22. Process GL Tickets for incoming funds/fees, process wires.

23. Advise SBA of any changes to Approval via a Change/Modification memorandum, responsible for receiving approval of all changes.

24. Complete required BSA/AML training and other compliance training as assigned.

25. The ability to work in a constant state of alertness and in a safe manner.

26. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 5 years related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to write speeches and articles for publication that conform to prescribed style and format; Ability to effectively present information to top management, public groups, and/or boards of directors.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

CRITICAL THINKING SKILLS

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: Presentation/PowerPoint, Spreadsheet, Word Processing/Typing

Basic: 10-Key, Accounting, Database

WORKING CONDITIONS

Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.

While performing the functions of this job, the employee is regularly required to stand, walk, sit, use hands to finger, handle, or feel, reach with hands and arms, talk or hear. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

Knowledge of SBA One/E-Tran

Knowledge of SBA SOP (Loan Originations)

Knowledge of SBA 7a, SBA 504 and SBA Express loan programs

Knowledge of WORD, Excel, PDF, Power-Point

Knowledge of Bankway and OnBase Systems

Knowledge of USDA Programs

A high level of knowledge in loan documentation is required, must know State Statutes (FL, AR, AL) in regards to filing appropriate documentation. Must choose the proper documentation for each SBA loan type, without supervision. Must be detail oriented, analytical and organized. Must be good at time management, customer service oriented and self-directed.

Qualifications

Education

Preferred

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)